Affordable Life Insurance Protection for Your Family

Life Insurance No Medical Exam or Questions

Are You Looking to Buy Life Insurance without any Exams or Questions?

If so, you’ve come to the right place. 

Today, it’s quicker and easier than ever before to get easy-issue life insurance without having to answer any questions about your health, or your health history.

If you are between the age of 45 to 85, your approval is guaranteed.

Start Your FREE Quote

  • Choose Guaranteed Whole Life Coverage without Health Exams or Health Questions for Simplicity 
  • Apply for coverage without taking any doctor’s exam or answering any health questions.
  • Keep your coverage even if your health changes, as long as you pay your premiums on time.
  • Purchase coverage with confidence, with a 30-day money-back guarantee.


What is Easy Issue No Question Life Insurance Coverage?

It means, you won’t have to deal with any delays or hassles of medical exams or length underwriting of your application. There’s no pushy salesman and no lengthy mailing delays.

  • No Health Questions Asked
  • No Doctor Exam Required
  • No Need to Meet with an Agent
  • Guaranteed Approval for Ages 45 to 85
  • 30 Day Risk Free, Money-Back Guarantee
  • Premiums Never Increase
  • Coverage Amount Never Decreases
  • Builds Cash Value Inside Your Policy


With easy-issue guaranteed policies there is no health check-up and you won’t have to answer any questions about your health.

Even if you’ve been turned down by other insurance carriers, you can still get insured.


Easy Issue No Questions or Exams Life Insurance

Guaranteed issue permanent life insurance is ideal for covering outstanding debts, medical bills and final expenses, plus it can leave funds to provide a legacy for your family members.

Your beneficiaries can use the proceeds from your life insurance any way they wish.


Who Wants No Question No Exam Permanent Life Insurance Coverage?

  • Looking for a Simplified-Issue life insurance plan. 
  • Don’t want to take any physical examination. 
  • Don’t want to answer any questions about your health history and your current health. 
  • Term life insurance policy owners who purchased temporary life insurance years ago and now require a small amount of permanent guaranteed lifetime life insurance protection.  
  • New retirees whose group life insurance has terminated and who want a small permanent life insurance policy to cover their final expenses.
  • Need life insurance to cover the cost of your end of life expenses, including funeral, burial, and hospital bills.

Start Your FREE Quote


Product Features of Guaranteed-Issue

Life Insurance without any Questions


  • Guarantees – People age 45 to 85 won’t be denied coverage or have benefits reduced due to age or health.
  • Issue Ages – Age 45 to 85.
  • Sum Insured – Up to $25,000.
  • Minimum Premium – Rates as low as $8.84 per month
  • No Waiting Period on Death Benefit 
  • Availability – Available in all states except MT.
  • Spousal Coverage – Your spouse can get covered if he or she is age 45 to 85.
  • Guaranteed Cash Values – Builds cash value inside your policy.
  • Easy Application Process – You can qualify for coverage without undergoing a medical exam or answering health questions.
  • Simplified Underwriting – No doctor examination required and no health questions asked.
  • Your life insurance policy comes with a 30 day Risk-Free, Money-Back Guarantee


You can get insured without answering any questions about the status of your health, or your health history.

Discover how affordable no questions life insurance protection can fit your personal needs and your budget.

The process is easy, you just request a free quote online right now.

Many people ages 45 to 85 choose guaranteed-issue policies to help cover their final expenses, including the cost of their funeral and burial expenses.

It can provide you with peace of mind, and protect your family from the financial burden of paying for your final expenses (burial and funeral costs) upon your passing.


Why Choose Guaranteed Acceptance Life Insurance?


It’s a Good Value 

It’s designed to help cover the cost of final expenses including funeral costs, medical bills and other debts, for people age 45-85.


It’s Guaranteed

Your life insurance protection is guaranteed throughout the life of your policy. Your annual premium is guaranteed never to increase, and the amount of life insurance coverage provided by your policy is guaranteed never to decrease.


It’s Easy to Get Insured

Your acceptance for a policy is guaranteed, as long as you meet the age requirements.

There are no health examinations to take and no health questions for you to answer.


Why Choose Guaranteed Approval No Question Life Insurance for Your Final Expenses?

Without a life insurance plan in place to cover your final expenses which may include the cost of your burial, funeral, medical bills and other debts, these costs could fall upon your loved ones who may be put in a financially stressful situation having to come up with the money to cover these expenses.

A final expense policy can give you peace of mind knowing your family members will not be left with a financial burden if you die.


How Much Does It Cost?

Plans are affordable, starting as low as $8.84 per month. The premium you pay is based on the amount of life insurance you need, your age and gender. 

Request your free life insurance quote.


How Can I Qualify If I Have Health Issues? 

If you’re age 45 to 85 you can’t be turned down for health reasons. You will not be required to take a physical exam or answer any health questions – now, or at any time in the future.

Your acceptance for coverage is guaranteed.


Will My Rates Change as I Get Older or My Health Changes?

No. Your life insurance coverage and premiums are guaranteed to remain the same throughout the life of your policy. 

That means, your premium will never increase, and your coverage will never decrease.

As long as you pay your premiums, your coverage is guaranteed.


How Can My Family Use the Money from My Policy?

You choose who will be beneficiary of your life insurance. 

Your beneficiaries can use the money as they see fit, which may include to pay for your final expenses. 

In addition, your life insurance policy may build up some cash value from which you may be able to take a loan in the future, if you need it.


What are Final Expenses?

They are all of the costs related to your passing, which may include burial costs, medical bills and unpaid debts you have accumulated.


Final Expenses Include:

  • Funeral
  • Embalming
  • Casket
  • Hearse
  • Burial
  • Flowers
  • Headstone
  • Memorial Service
  • Burial Plot


Which Insurance Companies offer No Question Guaranteed Issue Plans?

No health questions life insurance coverage is available from several insurance carriers.

Among the leading providers of final expense policies are:

  • Mutual of Omaha – Up to $25,000 of coverage for people ages 45-85
  • AIG – Up to $25,000 coverage for people ages 50-85
  • Foresters – Up to $35,000 coverage for people ages 45-80


What If I Change My Mind?

There is no risk to you. 

Usually, a life insurance policy comes with a 30 day money-back guarantee, which means if you are not satisfied with your policy you may return it to the insurance company within the 30 day Free Look Period for a full refund of all premiums paid.

NOTE: Mutual of Omaha provides a 30-day money-back guarantee on their guaranteed-issue life insurance policies.


 Life Insurance Quotes


Top Pick – Mutual of Omaha

Mutual of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $2,000 up to $25,000 of coverage. Rates start as low as $8.84 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. START HERE to get a FREE Quote.

  • Your life insurance policy comes with a 30 day Risk-Free, Money-Back Guarantee

Life Insurance No Medical Exam or Questions

Life Insurance for Seniors Age 50 to 85

Disclosure: Compensated Affiliate